The Financial Sector Conduct Authority (FSCA), its predecessors once a beacon of discerning regulatory oversight, now appears to be adrift, entangled in the convoluted intricacies of the Financial Sector Regulation Act 9 of 2017 — colloquially termed “Twin Peaks”.

The act, alongside an inscrutable and burdensome corpus of financial legislation and regulation, imposes a staggering annual cost exceeding R6bn on the country, with compliance expenses escalating at a rate more than 1.5 times that of inflation. ..

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